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AI brief of an SEC Form 8-K · United Community Banks (UCB)

United Community Banks Q4 net income rises to $75.8 million from $14.1 million

Positive Impact 3 of 5 earnings Written later

United Community Banks reported fourth-quarter 2024 net income of $75.8 million and GAAP diluted earnings per share of $0.61, compared with $14.1 million and $0.11 a year earlier. The year-ago quarter included a bond portfolio restructuring loss, so the comparison is affected by that charge. For shareholders, the filing shows higher profit and per-share earnings for both the quarter and full year 2024.

Key points

  • Q4 2024 net income $75.8 million vs $14.1 million in Q4 2023; GAAP diluted EPS $0.61 vs $0.11
  • Q4 2024 operating diluted EPS $0.63, up 19% from the year-ago quarter
  • Full-year 2024 net income $252 million and diluted EPS $2.04, vs $1.54 in 2023
  • Net interest margin fell seven basis points to 3.26% from the third quarter of 2024

The filing

CompanyUnited Community Banks (UCB)
Form8-K, current report
Filed with the SECJan 22, 2025, 7:55 AM ET
Accession number0001104659-25-005067

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:00 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 22, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.